IMPORTANT HEALTH INDIVIDUAL INSURANCE DEADLINE NOTICE:Anyone wanting/needing health insurance or anyone wanting to change to a new/different policy for 1-1-15 must apply by 12-15-14.Any application dated 12-16-14 to 1-15-15 will be effective for 2-1-15. Any application dated 1-16-15 to 2-15-15 will be effective 3-1-15. After 2-15-15, you must have a qualifying event to apply for coverage or you will only have temporary insurance available and may be subject to the “fine” of $325 per person and $162.50 per child per year or 2% of your income (whichever is greater) for calendar year 2015.Contact Russ Caforio @630-495-2901 or email russ@caforio.net with any questions or help needed on the site. We both can be on the same page on this site so I can help you through the process.